| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $32K | — | $32K | 3.42% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.75% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PKY BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | $0 | $15 | 0.03% |
| MAZZMAR LLC3 | 1767 SENTRY PKY BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.02% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $6K | — | $6K | 20.00% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $3K | $0 | $3K | 20.00% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $2K | $0 | $2K | 20.00% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $14K | $0 | $14K | 200.03% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $605 | $0 | $605 | 10.00% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $941 | $0 | $941 | 20.00% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $457 | $0 | $457 | 20.00% |
| ROSS S TAYLOR3 | 2694 SOUTH COOK STREET DENVER, CO 80210 | RELIANCE STANDARD | $130 | $0 | $130 | 14.99% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 100 | $948K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $46K |
| Short-term disability | RELIANCE STANDARD | 134 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 100 | $948K |
| Other(6 contracts) | RELIANCE STANDARD | 99 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.